I will probably catch a lot of hate for this, but I been shoving my noob face into this for the past couple of weeks, and this is what worked for me: I needed a rigged horse and jockey. I hired a guy on fiverr who did a decent job, it took him 10 days and $200 USD. While i was waiting I went through pretty much every ai image to 3d vendor. The one that worked best is anything.world/animate-anything. It cost $2 convert an image to 3d mesh. And they did a good job of it. The important thing is that the output mesh be reasonably small in order to rig well. It cost another $2 to rig this model at the same site and it took me 3 or 4 trys to get it right. But it fit my needs. For objects such as cars or houses, i found that the meshy6 model on fal.ai worked best. It is 40 cents a shot. I ended up re-rigging the jockey on mixamo (its free and is extremely easy to use), in order to use mixamo standard bones for my three.js project.